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DesertOasis has more than eight years of researching and writing experience working for several web companies. She is adept at writing 300 word blog posts, SEO articles or 1500 word articles according to customer requirements. She enjoys writing about a variety of subjects including insurance, real estate, nutrition, health, personal finance, senior care, businesses, careers, wellness, pets and gardening.

DesertOasis has used the internet to perform research, data entry and write content articles and blogs for web companies. Working for internet researching companies and content writing sites has taught her the value of time management skills and organization.

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Writing Sample

Fire Safety Precautions and Security Upgrades Help to Reduce Homeowners Insurance Premiums

Some homeowners think their job is done when they’ve signed the application for insurance, but in reality, it is just beginning. Using these tips, you can improve fire safety, make your home more secure and benefit by reducing homeowners insurance premiums.

Reducing Premiums and Improving Safety Begins With You


Homeowners insurance is one of the smartest ways to protect the financial investments you have in your house and personal possessions. In spite of this, it cannot guarantee you will not suffer emotional stress and heartaches after losing a home to fire or having your personal belongings stolen. By becoming more aware of fire safety, employing alarms and installing safety and security devices, you will be better protected and may qualify for insurance discounts.

Practicing Fire Safety


  • Teach children the dangers of playing with lighters, matches, or candles, and make sure they are inaccessible to them.


  • Place space heaters at least three feet from combustible items like furniture, beds and draperies to prevent fires.


  • Unplug electronics and small appliances in the house when they’re not used regularly.


  • Check extension and electrical cords for signs of wear or damage. Replace when necessary to prevent electrical fires.


  • When grilling outdoors, place the grill at least 10 feet from the house, vegetation or other types of structures.


  • Giving up smoking may lessen your risk of home fires while reducing homeowners insurance premiums.


  • Teach children how to operate a microwave and stove safely to prevent grease fires.


  • Read storage and warning labels on flammable liquids to store them properly to prevent poisoning or fires.


  • Food left unattended on kitchen stoves is likely to burn and could start a fire.


Home Upgrades for Fire Safety


Smoke Detectors


Even if you are on a tight budget, at the very least, you should have smoke detectors on each floor of your house. Installing a detector in bedrooms and the kitchen provides additional peace of mind, and it may help to reduce homeowners insurance premiums.

Fire Extinguishers


Portable fire extinguishers are excellent for stopping small fires that could spread to the entire home. Ideally, you should have one designed to handle grease fires and one that works well for combustibles like wood, furniture and drapes. Save time and lives by teaching everyone in the family how to use them correctly.


Improving Home Security


Because burglaries occur every few minutes and home invasions are on the increase, you might give careful consideration to improving security.

  • Installing monitored home security/fire alarm systems provides the best security you can get.  In most instances, these usually qualify for discounts on insurance premiums.


  • Replace low quality doors that can easily be kicked in or knocked off their hinges with strong solid metal or wood doors.


  • Investing $100 or less, could be enough to replace door locks with dead bolts, which are harder to break in.


  • Consider adding window locks to slow down or detour thieves.


  • Well-lit yards with security lighting and timers reduce your odds of becoming a target for theft.


  • Do not inadvertently advertise you are going on vacation by publicizing your trip plans on social network sites or telling the car rental agency about your plans.


  • Make arrangements with a neighbor or friend to stop by your home while on vacation. Have them park a vehicle in the drive, put out the garbage receptacle on collection day, and open or close drapes to give the appearance someone is living in the house.


Evacuation Plans for Fires


Smart homeowners have a fire evacuation plan ready to use the moment they hear an alarm, spot a fire or smell smoke. Every household member should know how to safely evacuate, where to meet and who to call. One or more family members should be responsible for seeing that elderly people and infants make it out safely. Multi-level homes should have additional escape routes, which may include escape ladders. Families should practice escape fire drills at least two times per year.


Protecting your home from burglaries and fires is an investment that you cannot afford to ignore, and there is a good chance you will be reducing homeowners insurance premiums in the process.



Article Reviews

excellent content, great writer
Terrific content, excellent post, amazing writer
Excellent little guide; will be great information for people who visit our website.
Great overview; your sub-heads make it really easy to find and understand the information.
Really appreciate you taking the to the time to find extra sources and provide more detailed information in the article. Excellent writing!